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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,223 | $226,135-94.6% | $182,558-93.3% | $152,909-92.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 40.18% | 192.60%-152.4pp | 148.59%-108.4pp | 345.46%-305.3pp |
| Employer contribution / active EE | $2,615 | $4,979-47.5% | $4,076-35.8% | $4,764-45.1% |
| Participant deferral / active EE | $5,775 | $6,371-9.4% | $5,526+4.5% | $5,851-1.3% |
| Admin fee / account holder | $821 | $10,707-92.3% | $8,594-90.4% | $11,601-92.9% |